"Medicare doesn't have to be a maze."
What We Do
Your guide through every chapter
Medicare Advisory & Planning
Turning 65 or already enrolled? Martha helps you understand your enrollment periods, navigate the coordination between Social Security and Medicare, and apply best practices so you can make informed decisions with confidence.
Learn moreRetire with
clarity.
Social Security Retirement Planning
When to claim, how benefits coordinate with Medicare, and what the timing means for your retirement — Martha reviews your Social Security options so you can plan with confidence.
Learn more
Employer & Union Transition Services
Help your retiring employees land softly. We partner with HR teams, benefits coordinators, and unions to deliver Medicare pre-planning education and one-on-one guidance.
Learn moreAlways in
your corner
Ongoing Concierge & Advocacy
We don't disappear after enrollment. From billing disputes to coverage questions to annual plan reviews — we're your year-round advocate.
Learn morePlan ahead.
Stay protected.
Long-Term Care Contract Review
Long-term care policies are complex and the fine print matters. Martha reviews your existing or prospective LTC contracts so you understand exactly what you have — and what you don't.
Learn moreKnow what
you own.
Life Insurance Contract Review
Is your life insurance policy still working for you? Martha reviews your life insurance contracts to ensure your coverage aligns with your current needs, beneficiaries, and financial goals.
Learn moreSimple Process
Getting started is easy
Tell us your situation
A warm, no-pressure conversation about where you are and what you need. No jargon, no judgment.
We find your best options
Martha reviews the landscape and presents clear, personalized recommendations — not a stack of confusing brochures.
We stay by your side
Enrollment, questions, changes, disputes — we’re your ongoing partner, not a one-time transaction.
What Clients Say
"Martha explained everything so clearly. For the first time, I actually understood my Medicare options — and I felt completely taken care of."
500+
Families guided through Medicare
50
States served nationwide
15+
Years of expertise
Licensed & Certified
CMIP® · FPQP™
For HR & Benefits Teams
Helping your people navigate Medicare with confidence
When employees approach retirement, Medicare confusion creates stress — for them and for you. GetMartha partners with employers, small businesses, and unions to deliver pre-retirement Medicare education, one-on-one counseling, and seamless transition support.
- Group Medicare education workshops
- Individual employee consultations
- Retiree transition planning programs
- Ongoing support for your benefits team
Don't Let This Happen to You
The Top 5 Medicare Mistakes
That Cost People Dearly
These are the most common — and most expensive — errors Martha sees every day. A few minutes of guidance can save you thousands.
Signing Up for Part B at 65 When You Have Primary Employer Coverage
If your employer plan is primary, enrolling in Part B right away means paying unnecessary premiums — sometimes for years. Knowing which coverage is primary changes everything.
Not Signing Up for Part B When Employer Coverage Is Secondary to Medicare
The flip side is just as costly. When Medicare is primary and you skip Part B, your employer plan may refuse to pay — leaving you with massive out-of-pocket bills.
Getting Stuck With Lifetime Late Enrollment Penalties
Miss your enrollment window and Medicare adds a permanent penalty to your monthly premium — for life. These penalties are avoidable with the right timing guidance.
Forgetting to Pay Part B Premiums
Medicare can and will drop your coverage if premiums go unpaid. Many people don't realize premiums aren't automatic — and losing coverage mid-year is a nightmare to fix.
Choosing the Wrong Plan During Open Enrollment
Picking a plan based on the lowest premium without understanding networks, drug formularies, and out-of-pocket maximums can cost far more in the long run.
Not sure if you're making one of these mistakes? Martha can review your situation — free, no pressure.
Book a Free Consultation
As Seen & Heard
Martha on air
Bringing health insurance clarity to Hawaii every week — on the radio and on your TV screen.
KHON2 · Living 808
Hawaii's favorite lifestyle show
Weekly Radio Show
Medicare & health insurance in plain language
Coming Soon
Radio show episodes will be available here. Check back soon!
A Tool From Martha
Meet My Digital Health Buddy
Your most important health information — always in your pocket. My Digital Health Buddy is an iPhone wallet app that keeps your insurance cards, medications, physician names, and emergency contacts organized and secure on your smartphone.
- Store insurance cards digitally — no more digging through your wallet
- Keep medication lists and physician contacts in one secure place
- Emergency contacts always accessible, right on your iPhone
My Digital
Health Buddy
Ready to get started?
Stop guessing.
Start knowing.
A free 30-minute conversation with Martha can change everything. No pressure, no sales pitch — just clear answers and a plan that's right for you.
